401k Plan data: ZALE CORPORATION SAVINGS & INVESTMENT PLAN plan

ZALE CORPORATION SAVINGS & INVESTMENT PLAN 401k Plan overview

Plan Name	ZALE CORPORATION SAVINGS & INVESTMENT PLAN
Plan identification number	002

ZALE CORPORATION SAVINGS & INVESTMENT PLAN Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Participant-directed brokerage accounts provided as an investment option under the plan.
Plan provides for automatic enrollment in plan that has employee contributions deducted from payroll.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Plan not intended to be qualified - A plan not intended to be qualified under Code sections 401, 403, or 408.
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b), (c), or (m)).
U.S.-based plan that covers residents of Puerto Rico and is qualified under both Code section 401 and section 1165 of the Puerto Rico Code.

401k Sponsoring company profile

ZALE CORPORATION has sponsored the creation of one or more 401k plans.

Company Name: ZALE CORPORATION

Employer identification number (EIN): 750675400

NAIC Classification: 448310
NAIC Description: Jewelry Stores

Additional information about ZALE CORPORATION

Jurisdiction of Incorporation: State of Delaware Division of Corporations

Incorporation Date: 1989-06-23

Company Identification Number: 2200267

Legal Registered Office Address: 2711 Centerville Road
Suite 400
Wilmington
United States of America (USA)
19808

More information about ZALE CORPORATION

Form 5500 Filing Information

Submission information for form 5500 for 401k plan ZALE CORPORATION SAVINGS & INVESTMENT PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
002 2015-01-01 JAMES GARLISH
002 2015-01-01 JAMES GARLISH
002 2014-01-01 JAMES GARLISH
002 2013-01-01 FANNY SHEUMAKER
002 2012-01-01 JAMES SULLIVAN
002 2011-01-01 JAMES SULLIVAN
002 2009-01-01 JAMES SULLIVAN
002 2009-01-01 JAMES SULLIVAN
002 2009-01-01 JAMES SULLIVAN
002 2007-01-01 STEVE MASSANELLI
002 2007-01-01 JAMES SULLIVAN

Plan id#	Filing Submission Date	Name of Administrator
002	2015-01-01	JAMES GARLISH
002	2015-01-01	JAMES GARLISH
002	2014-01-01	JAMES GARLISH
002	2013-01-01	FANNY SHEUMAKER
002	2012-01-01	JAMES SULLIVAN
002	2011-01-01	JAMES SULLIVAN
002	2009-01-01	JAMES SULLIVAN
002	2009-01-01	JAMES SULLIVAN
002	2009-01-01	JAMES SULLIVAN
002	2007-01-01	STEVE MASSANELLI
002	2007-01-01	JAMES SULLIVAN

Plan Statistics for ZALE CORPORATION SAVINGS & INVESTMENT PLAN

401k plan membership statisitcs for ZALE CORPORATION SAVINGS & INVESTMENT PLAN

Measure Date Value
2015: ZALE CORPORATION SAVINGS & INVESTMENT PLAN 2015 401k membership
Total participants, beginning-of-year 2015-01-01 7,681
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 0
Number of retired or separated participants receiving benefits 2015-01-01 0
Number of other retired or separated participants entitled to future benefits 2015-01-01 0
Total of all active and inactive participants 2015-01-01 0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 0
Number of participants with account balances 2015-01-01 0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 0
2014: ZALE CORPORATION SAVINGS & INVESTMENT PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 7,427
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 6,294
Number of retired or separated participants receiving benefits 2014-01-01 23
Number of other retired or separated participants entitled to future benefits 2014-01-01 1,342
Total of all active and inactive participants 2014-01-01 7,659
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 22
Total participants 2014-01-01 7,681
Number of participants with account balances 2014-01-01 6,634
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 5
2013: ZALE CORPORATION SAVINGS & INVESTMENT PLAN 2013 401k membership
Total participants, beginning-of-year 2013-01-01 7,532
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 5,958
Number of retired or separated participants receiving benefits 2013-01-01 12
Number of other retired or separated participants entitled to future benefits 2013-01-01 1,434
Total of all active and inactive participants 2013-01-01 7,404
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 23
Total participants 2013-01-01 7,427
Number of participants with account balances 2013-01-01 6,805
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 5
2012: ZALE CORPORATION SAVINGS & INVESTMENT PLAN 2012 401k membership
Total participants, beginning-of-year 2012-01-01 10,483
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 8,358
Number of retired or separated participants receiving benefits 2012-01-01 45
Number of other retired or separated participants entitled to future benefits 2012-01-01 1,309
Total of all active and inactive participants 2012-01-01 9,712
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 23
Total participants 2012-01-01 9,735
Number of participants with account balances 2012-01-01 7,157
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 145
2011: ZALE CORPORATION SAVINGS & INVESTMENT PLAN 2011 401k membership
Total participants, beginning-of-year 2011-01-01 9,986
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 8,190
Number of retired or separated participants receiving benefits 2011-01-01 95
Number of other retired or separated participants entitled to future benefits 2011-01-01 2,164
Total of all active and inactive participants 2011-01-01 10,449
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 34
Total participants 2011-01-01 10,483
Number of participants with account balances 2011-01-01 8,252
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 276
2009: ZALE CORPORATION SAVINGS & INVESTMENT PLAN 2009 401k membership
Total participants, beginning-of-year 2009-01-01 8,317
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 7,172
Number of retired or separated participants receiving benefits 2009-01-01 81
Number of other retired or separated participants entitled to future benefits 2009-01-01 2,005
Total of all active and inactive participants 2009-01-01 9,258
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 27
Total participants 2009-01-01 9,285
Number of participants with account balances 2009-01-01 8,520
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 26
2007: ZALE CORPORATION SAVINGS & INVESTMENT PLAN 2007 401k membership
Total participants, beginning-of-year 2007-01-01 10,179
Total number of active participants reported on line 7a of the Form 5500 2007-01-01 7,722
Number of retired or separated participants receiving benefits 2007-01-01 63
Number of other retired or separated participants entitled to future benefits 2007-01-01 1,888
Total of all active and inactive participants 2007-01-01 9,673
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2007-01-01 11
Total participants 2007-01-01 9,684
Number of participants with account balances 2007-01-01 7,166

Measure	Date	Value
2015: ZALE CORPORATION SAVINGS & INVESTMENT PLAN 2015 401k membership
Total participants, beginning-of-year	2015-01-01	7,681
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	0
Number of retired or separated participants receiving benefits	2015-01-01	0
Number of other retired or separated participants entitled to future benefits	2015-01-01	0
Total of all active and inactive participants	2015-01-01	0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	0
Number of participants with account balances	2015-01-01	0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	0
2014: ZALE CORPORATION SAVINGS & INVESTMENT PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	7,427
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	6,294
Number of retired or separated participants receiving benefits	2014-01-01	23
Number of other retired or separated participants entitled to future benefits	2014-01-01	1,342
Total of all active and inactive participants	2014-01-01	7,659
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	22
Total participants	2014-01-01	7,681
Number of participants with account balances	2014-01-01	6,634
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	5
2013: ZALE CORPORATION SAVINGS & INVESTMENT PLAN 2013 401k membership
Total participants, beginning-of-year	2013-01-01	7,532
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	5,958
Number of retired or separated participants receiving benefits	2013-01-01	12
Number of other retired or separated participants entitled to future benefits	2013-01-01	1,434
Total of all active and inactive participants	2013-01-01	7,404
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	23
Total participants	2013-01-01	7,427
Number of participants with account balances	2013-01-01	6,805
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	5
2012: ZALE CORPORATION SAVINGS & INVESTMENT PLAN 2012 401k membership
Total participants, beginning-of-year	2012-01-01	10,483
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	8,358
Number of retired or separated participants receiving benefits	2012-01-01	45
Number of other retired or separated participants entitled to future benefits	2012-01-01	1,309
Total of all active and inactive participants	2012-01-01	9,712
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	23
Total participants	2012-01-01	9,735
Number of participants with account balances	2012-01-01	7,157
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	145
2011: ZALE CORPORATION SAVINGS & INVESTMENT PLAN 2011 401k membership
Total participants, beginning-of-year	2011-01-01	9,986
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	8,190
Number of retired or separated participants receiving benefits	2011-01-01	95
Number of other retired or separated participants entitled to future benefits	2011-01-01	2,164
Total of all active and inactive participants	2011-01-01	10,449
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	34
Total participants	2011-01-01	10,483
Number of participants with account balances	2011-01-01	8,252
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	276
2009: ZALE CORPORATION SAVINGS & INVESTMENT PLAN 2009 401k membership
Total participants, beginning-of-year	2009-01-01	8,317
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	7,172
Number of retired or separated participants receiving benefits	2009-01-01	81
Number of other retired or separated participants entitled to future benefits	2009-01-01	2,005
Total of all active and inactive participants	2009-01-01	9,258
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	27
Total participants	2009-01-01	9,285
Number of participants with account balances	2009-01-01	8,520
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	26
2007: ZALE CORPORATION SAVINGS & INVESTMENT PLAN 2007 401k membership
Total participants, beginning-of-year	2007-01-01	10,179
Total number of active participants reported on line 7a of the Form 5500	2007-01-01	7,722
Number of retired or separated participants receiving benefits	2007-01-01	63
Number of other retired or separated participants entitled to future benefits	2007-01-01	1,888
Total of all active and inactive participants	2007-01-01	9,673
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2007-01-01	11
Total participants	2007-01-01	9,684
Number of participants with account balances	2007-01-01	7,166

Financial Data on ZALE CORPORATION SAVINGS & INVESTMENT PLAN

Measure	Date	Value
2015 : ZALE CORPORATION SAVINGS & INVESTMENT PLAN 2015 401k financial data
Unrealized appreciation/depreciation of real estate assets	2015-12-31	$0
Unrealized appreciation/depreciation of other (non real estate) assets	2015-12-31	$14,771
Total unrealized appreciation/depreciation of assets	2015-12-31	$14,771
Total transfer of assets to this plan	2015-12-31	$0
Total transfer of assets from this plan	2015-12-31	$108,642,399
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$0
Expenses. Interest paid	2015-12-31	$0
Amount of participant contributions which was failed to transmit to the plan within the time period described in 29 CFR 251.3-102	2015-12-31	$0
Total income from all sources (including contributions)	2015-12-31	$16,430,858
Total loss/gain on sale of assets	2015-12-31	$39,762
Total of all expenses incurred	2015-12-31	$15,366,953
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$15,308,445
Expenses. Certain deemed distributions of participant loans	2015-12-31	$0
Value of total corrective distributions	2015-12-31	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$17,135,729
Value of total assets at end of year	2015-12-31	$0
Value of total assets at beginning of year	2015-12-31	$107,578,494
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$58,508
Total income from rents	2015-12-31	$0
Total interest from all sources	2015-12-31	$147,431
Total dividends received (eg from common stock, registered investment company shares)	2015-12-31	$6,020,229
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2015-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2015-12-31	$6,020,229
Assets. Real estate other than employer real property at end of year	2015-12-31	$0
Assets. Real estate other than employer real property at beginning of year	2015-12-31	$0
Administrative expenses professional fees incurred	2015-12-31	$0
Assets. Corporate prefeered stocks other than exployer securities at end of year	2015-12-31	$0
Assets. Corporate prefeered stocks other than exployer securities at beginning of year	2015-12-31	$9,956
Was this plan covered by a fidelity bond	2015-12-31	Yes
Value of fidelity bond cover	2015-12-31	$20,000,000
If this is an individual account plan, was there a blackout period	2015-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2015-12-31	No
Contributions received from participants	2015-12-31	$12,968,265
Participant contributions at end of year	2015-12-31	$0
Participant contributions at beginning of year	2015-12-31	$3,511,093
Participant contributions at end of year	2015-12-31	$0
Participant contributions at beginning of year	2015-12-31	$0
Assets. Other investments not covered elsewhere at end of year	2015-12-31	$0
Assets. Other investments not covered elsewhere at beginning of year	2015-12-31	$0
Income. Received or receivable in cash from other sources (including rollovers)	2015-12-31	$384,398
Expenses. Other payments made (not to insurance carriers or or participants/beneficiaries)	2015-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at end of year	2015-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2015-12-31	$0
Assets. Loans (other than to participants) at end of year	2015-12-31	$0
Assets. Loans (other than to participants) at beginning of year	2015-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2015-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2015-12-31	$0
Other income not declared elsewhere	2015-12-31	$0
Administrative expenses (other) incurred	2015-12-31	$58,508
Liabilities. Value of operating payables at end of year	2015-12-31	$0
Liabilities. Value of operating payables at beginning of year	2015-12-31	$0
Total non interest bearing cash at end of year	2015-12-31	$0
Total non interest bearing cash at beginning of year	2015-12-31	$2,862
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Income. Non cash contributions	2015-12-31	$0
Value of net income/loss	2015-12-31	$1,063,905
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$0
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$107,578,494
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2015-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2015-12-31	No
Were any leases to which the plan was party in default or uncollectible	2015-12-31	No
Assets. partnership/joint venture interests at end of year	2015-12-31	$0
Assets. partnership/joint venture interests at beginning of year	2015-12-31	$0
Investment advisory and management fees	2015-12-31	$0
Value of interest in registered invesment companies (eg mutual funds) at end of year	2015-12-31	$0
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2015-12-31	$98,155,266
Value of interest in pooled separate accounts at end of year	2015-12-31	$0
Value of interest in pooled separate accounts at beginning of year	2015-12-31	$0
Interest on participant loans	2015-12-31	$147,431
Income. Interest from loans (other than to participants)	2015-12-31	$0
Interest earned on other investments	2015-12-31	$0
Income. Interest from US Government securities	2015-12-31	$0
Income. Interest from corporate debt instruments	2015-12-31	$0
Value of interest in master investment trust accounts at end of year	2015-12-31	$0
Value of interest in master investment trust accounts at beginning of year	2015-12-31	$0
Value of interest in common/collective trusts at end of year	2015-12-31	$0
Value of interest in common/collective trusts at beginning of year	2015-12-31	$4,798,786
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2015-12-31	$0
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2015-12-31	$519,047
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2015-12-31	$519,047
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2015-12-31	$0
Assets. Value of investments in 103.12 investment entities at end of year	2015-12-31	$0
Assets. Value of investments in 103.12 investment entities at beginning of year	2015-12-31	$0
Expenses. Payments to insurance carriers foe the provision of benefits	2015-12-31	$0
Asset value of US Government securities at end of year	2015-12-31	$0
Asset value of US Government securities at beginning of year	2015-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2015-12-31	$-6,875,045
Net investment gain/loss from pooled separate accounts	2015-12-31	$0
Net investment gain or loss from common/collective trusts	2015-12-31	$-52,019
Net gain/loss from 103.12 investment entities	2015-12-31	$0
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2015-12-31	Yes
Was there a failure to transmit to the plan any participant contributions	2015-12-31	No
Has the plan failed to provide any benefit when due under the plan	2015-12-31	No
Assets. Invements in employer securities at end of year	2015-12-31	$0
Assets. Invements in employer securities at beginning of year	2015-12-31	$0
Assets. Value of employer real property at end of year	2015-12-31	$0
Assets. Value of employer real property at beginning of year	2015-12-31	$0
Contributions received in cash from employer	2015-12-31	$3,783,066
Employer contributions (assets) at end of year	2015-12-31	$0
Employer contributions (assets) at beginning of year	2015-12-31	$0
Income. Dividends from preferred stock	2015-12-31	$0
Income. Dividends from common stock	2015-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$15,308,445
Asset. Corporate debt instrument preferred debt at end of year	2015-12-31	$0
Asset. Corporate debt instrument preferred debt at beginning of year	2015-12-31	$0
Asset. Corporate debt instrument debt (other) at end of year	2015-12-31	$0
Asset. Corporate debt instrument debt (other) at beginning of year	2015-12-31	$0
Contract administrator fees	2015-12-31	$0
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2015-12-31	No
Assets. Corporate common stocks other than exployer securities at end of year	2015-12-31	$0
Assets. Corporate common stocks other than exployer securities at beginning of year	2015-12-31	$581,484
Liabilities. Value of benefit claims payable at end of year	2015-12-31	$0
Liabilities. Value of benefit claims payable at beginning of year	2015-12-31	$0
Assets. Value of buildings and other operty used in plan operation at end of year	2015-12-31	$0
Assets. Value of buildings and other operty used in plan operation at beginning of year	2015-12-31	$0
Did the plan have assets held for investment	2015-12-31	No
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2015-12-31	No
Aggregate proceeds on sale of assets	2015-12-31	$2,541,396
Aggregate carrying amount (costs) on sale of assets	2015-12-31	$2,501,634
Liabilities. Value of acquisition indebtedness at end of year	2015-12-31	$0
Liabilities. Value of acquisition indebtedness at beginning of year	2015-12-31	$0
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2015-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2015-12-31	Disclaimer
Accountancy firm name	2015-12-31	BOBER, MARKEY, FEDOROVICH & COMPANY
Accountancy firm EIN	2015-12-31	341523030
2014 : ZALE CORPORATION SAVINGS & INVESTMENT PLAN 2014 401k financial data
Unrealized appreciation/depreciation of real estate assets	2014-12-31	$0
Unrealized appreciation/depreciation of other (non real estate) assets	2014-12-31	$1,972
Total unrealized appreciation/depreciation of assets	2014-12-31	$1,972
Total transfer of assets to this plan	2014-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$0
Expenses. Interest paid	2014-12-31	$0
Amount of participant contributions which was failed to transmit to the plan within the time period described in 29 CFR 251.3-102	2014-12-31	$0
Total income from all sources (including contributions)	2014-12-31	$18,015,390
Total loss/gain on sale of assets	2014-12-31	$58,746
Total of all expenses incurred	2014-12-31	$13,226,116
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$13,022,764
Expenses. Certain deemed distributions of participant loans	2014-12-31	$5,795
Value of total corrective distributions	2014-12-31	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$12,476,315
Value of total assets at end of year	2014-12-31	$107,578,494
Value of total assets at beginning of year	2014-12-31	$102,789,220
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$197,557
Total income from rents	2014-12-31	$0
Total interest from all sources	2014-12-31	$143,335
Total dividends received (eg from common stock, registered investment company shares)	2014-12-31	$6,574,722
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2014-12-31	$6,556,749
Assets. Real estate other than employer real property at end of year	2014-12-31	$0
Assets. Real estate other than employer real property at beginning of year	2014-12-31	$0
Administrative expenses professional fees incurred	2014-12-31	$0
Assets. Corporate prefeered stocks other than exployer securities at end of year	2014-12-31	$9,956
Assets. Corporate prefeered stocks other than exployer securities at beginning of year	2014-12-31	$0
Was this plan covered by a fidelity bond	2014-12-31	Yes
Value of fidelity bond cover	2014-12-31	$20,000,000
If this is an individual account plan, was there a blackout period	2014-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2014-12-31	No
Contributions received from participants	2014-12-31	$12,119,035
Participant contributions at end of year	2014-12-31	$3,511,093
Participant contributions at beginning of year	2014-12-31	$3,278,174
Participant contributions at end of year	2014-12-31	$0
Participant contributions at beginning of year	2014-12-31	$0
Assets. Other investments not covered elsewhere at end of year	2014-12-31	$0
Assets. Other investments not covered elsewhere at beginning of year	2014-12-31	$0
Income. Received or receivable in cash from other sources (including rollovers)	2014-12-31	$357,280
Expenses. Other payments made (not to insurance carriers or or participants/beneficiaries)	2014-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at end of year	2014-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2014-12-31	$0
Assets. Loans (other than to participants) at end of year	2014-12-31	$0
Assets. Loans (other than to participants) at beginning of year	2014-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2014-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2014-12-31	$0
Other income not declared elsewhere	2014-12-31	$0
Administrative expenses (other) incurred	2014-12-31	$197,557
Liabilities. Value of operating payables at end of year	2014-12-31	$0
Liabilities. Value of operating payables at beginning of year	2014-12-31	$0
Total non interest bearing cash at end of year	2014-12-31	$2,862
Total non interest bearing cash at beginning of year	2014-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Income. Non cash contributions	2014-12-31	$0
Value of net income/loss	2014-12-31	$4,789,274
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$107,578,494
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$102,789,220
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-12-31	No
Were any leases to which the plan was party in default or uncollectible	2014-12-31	No
Assets. partnership/joint venture interests at end of year	2014-12-31	$0
Assets. partnership/joint venture interests at beginning of year	2014-12-31	$0
Investment advisory and management fees	2014-12-31	$0
Value of interest in registered invesment companies (eg mutual funds) at end of year	2014-12-31	$98,155,266
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2014-12-31	$93,468,624
Value of interest in pooled separate accounts at end of year	2014-12-31	$0
Value of interest in pooled separate accounts at beginning of year	2014-12-31	$0
Interest on participant loans	2014-12-31	$143,284
Income. Interest from loans (other than to participants)	2014-12-31	$0
Interest earned on other investments	2014-12-31	$0
Income. Interest from US Government securities	2014-12-31	$0
Income. Interest from corporate debt instruments	2014-12-31	$0
Value of interest in master investment trust accounts at end of year	2014-12-31	$0
Value of interest in master investment trust accounts at beginning of year	2014-12-31	$0
Value of interest in common/collective trusts at end of year	2014-12-31	$4,798,786
Value of interest in common/collective trusts at beginning of year	2014-12-31	$4,806,890
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2014-12-31	$519,047
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2014-12-31	$515,852
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2014-12-31	$515,852
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2014-12-31	$51
Assets. Value of investments in 103.12 investment entities at end of year	2014-12-31	$0
Assets. Value of investments in 103.12 investment entities at beginning of year	2014-12-31	$0
Expenses. Payments to insurance carriers foe the provision of benefits	2014-12-31	$0
Asset value of US Government securities at end of year	2014-12-31	$0
Asset value of US Government securities at beginning of year	2014-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2014-12-31	$-1,282,480
Net investment gain/loss from pooled separate accounts	2014-12-31	$0
Net investment gain or loss from common/collective trusts	2014-12-31	$42,780
Net gain/loss from 103.12 investment entities	2014-12-31	$0
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-12-31	No
Was there a failure to transmit to the plan any participant contributions	2014-12-31	No
Has the plan failed to provide any benefit when due under the plan	2014-12-31	No
Assets. Invements in employer securities at end of year	2014-12-31	$0
Assets. Invements in employer securities at beginning of year	2014-12-31	$0
Assets. Value of employer real property at end of year	2014-12-31	$0
Assets. Value of employer real property at beginning of year	2014-12-31	$0
Contributions received in cash from employer	2014-12-31	$0
Employer contributions (assets) at end of year	2014-12-31	$0
Employer contributions (assets) at beginning of year	2014-12-31	$0
Income. Dividends from preferred stock	2014-12-31	$128
Income. Dividends from common stock	2014-12-31	$17,845
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$13,022,764
Asset. Corporate debt instrument preferred debt at end of year	2014-12-31	$0
Asset. Corporate debt instrument preferred debt at beginning of year	2014-12-31	$0
Asset. Corporate debt instrument debt (other) at end of year	2014-12-31	$0
Asset. Corporate debt instrument debt (other) at beginning of year	2014-12-31	$0
Contract administrator fees	2014-12-31	$0
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2014-12-31	No
Assets. Corporate common stocks other than exployer securities at end of year	2014-12-31	$581,484
Assets. Corporate common stocks other than exployer securities at beginning of year	2014-12-31	$719,680
Liabilities. Value of benefit claims payable at end of year	2014-12-31	$0
Liabilities. Value of benefit claims payable at beginning of year	2014-12-31	$0
Assets. Value of buildings and other operty used in plan operation at end of year	2014-12-31	$0
Assets. Value of buildings and other operty used in plan operation at beginning of year	2014-12-31	$0
Did the plan have assets held for investment	2014-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-12-31	No
Aggregate proceeds on sale of assets	2014-12-31	$1,444,509
Aggregate carrying amount (costs) on sale of assets	2014-12-31	$1,385,763
Liabilities. Value of acquisition indebtedness at end of year	2014-12-31	$0
Liabilities. Value of acquisition indebtedness at beginning of year	2014-12-31	$0
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2014-12-31	Disclaimer
Accountancy firm name	2014-12-31	BOBER, MARKEY, FEDOROVICH & COMPANY
Accountancy firm EIN	2014-12-31	341523030
2013 : ZALE CORPORATION SAVINGS & INVESTMENT PLAN 2013 401k financial data
Unrealized appreciation/depreciation of real estate assets	2013-12-31	$0
Unrealized appreciation/depreciation of other (non real estate) assets	2013-12-31	$85,083
Total unrealized appreciation/depreciation of assets	2013-12-31	$85,083
Total transfer of assets to this plan	2013-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$60,805
Expenses. Interest paid	2013-12-31	$0
Amount of participant contributions which was failed to transmit to the plan within the time period described in 29 CFR 251.3-102	2013-12-31	$0
Total income from all sources (including contributions)	2013-12-31	$24,083,243
Total loss/gain on sale of assets	2013-12-31	$62,219
Total of all expenses incurred	2013-12-31	$11,325,388
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$11,188,660
Expenses. Certain deemed distributions of participant loans	2013-12-31	$31,033
Value of total corrective distributions	2013-12-31	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$10,737,621
Value of total assets at end of year	2013-12-31	$102,789,220
Value of total assets at beginning of year	2013-12-31	$90,092,170
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$105,695
Total income from rents	2013-12-31	$0
Total interest from all sources	2013-12-31	$138,512
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$3,798,686
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2013-12-31	$3,780,732
Assets. Real estate other than employer real property at end of year	2013-12-31	$0
Assets. Real estate other than employer real property at beginning of year	2013-12-31	$0
Administrative expenses professional fees incurred	2013-12-31	$0
Assets. Corporate prefeered stocks other than exployer securities at end of year	2013-12-31	$0
Assets. Corporate prefeered stocks other than exployer securities at beginning of year	2013-12-31	$0
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$20,000,000
If this is an individual account plan, was there a blackout period	2013-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	No
Contributions received from participants	2013-12-31	$10,491,905
Participant contributions at end of year	2013-12-31	$3,278,174
Participant contributions at beginning of year	2013-12-31	$3,205,856
Participant contributions at end of year	2013-12-31	$0
Participant contributions at beginning of year	2013-12-31	$0
Assets. Other investments not covered elsewhere at end of year	2013-12-31	$0
Assets. Other investments not covered elsewhere at beginning of year	2013-12-31	$0
Income. Received or receivable in cash from other sources (including rollovers)	2013-12-31	$245,716
Expenses. Other payments made (not to insurance carriers or or participants/beneficiaries)	2013-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at end of year	2013-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2013-12-31	$0
Assets. Loans (other than to participants) at end of year	2013-12-31	$0
Assets. Loans (other than to participants) at beginning of year	2013-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2013-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2013-12-31	$60,805
Other income not declared elsewhere	2013-12-31	$0
Administrative expenses (other) incurred	2013-12-31	$105,695
Liabilities. Value of operating payables at end of year	2013-12-31	$0
Liabilities. Value of operating payables at beginning of year	2013-12-31	$0
Total non interest bearing cash at end of year	2013-12-31	$0
Total non interest bearing cash at beginning of year	2013-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Income. Non cash contributions	2013-12-31	$0
Value of net income/loss	2013-12-31	$12,757,855
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$102,789,220
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$90,031,365
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-12-31	No
Were any leases to which the plan was party in default or uncollectible	2013-12-31	No
Assets. partnership/joint venture interests at end of year	2013-12-31	$0
Assets. partnership/joint venture interests at beginning of year	2013-12-31	$0
Investment advisory and management fees	2013-12-31	$0
Value of interest in registered invesment companies (eg mutual funds) at end of year	2013-12-31	$93,468,624
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-12-31	$79,869,971
Value of interest in pooled separate accounts at end of year	2013-12-31	$0
Value of interest in pooled separate accounts at beginning of year	2013-12-31	$0
Interest on participant loans	2013-12-31	$138,466
Income. Interest from loans (other than to participants)	2013-12-31	$0
Interest earned on other investments	2013-12-31	$0
Income. Interest from US Government securities	2013-12-31	$0
Income. Interest from corporate debt instruments	2013-12-31	$0
Value of interest in master investment trust accounts at end of year	2013-12-31	$0
Value of interest in master investment trust accounts at beginning of year	2013-12-31	$0
Value of interest in common/collective trusts at end of year	2013-12-31	$4,806,890
Value of interest in common/collective trusts at beginning of year	2013-12-31	$5,995,126
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2013-12-31	$515,852
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2013-12-31	$538,295
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2013-12-31	$538,295
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2013-12-31	$46
Assets. Value of investments in 103.12 investment entities at end of year	2013-12-31	$0
Assets. Value of investments in 103.12 investment entities at beginning of year	2013-12-31	$0
Expenses. Payments to insurance carriers foe the provision of benefits	2013-12-31	$0
Asset value of US Government securities at end of year	2013-12-31	$0
Asset value of US Government securities at beginning of year	2013-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2013-12-31	$9,312,517
Net investment gain/loss from pooled separate accounts	2013-12-31	$0
Net investment gain or loss from common/collective trusts	2013-12-31	$-51,395
Net gain/loss from 103.12 investment entities	2013-12-31	$0
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	No
Was there a failure to transmit to the plan any participant contributions	2013-12-31	No
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Assets. Invements in employer securities at end of year	2013-12-31	$0
Assets. Invements in employer securities at beginning of year	2013-12-31	$0
Assets. Value of employer real property at end of year	2013-12-31	$0
Assets. Value of employer real property at beginning of year	2013-12-31	$0
Contributions received in cash from employer	2013-12-31	$0
Employer contributions (assets) at end of year	2013-12-31	$0
Employer contributions (assets) at beginning of year	2013-12-31	$0
Income. Dividends from preferred stock	2013-12-31	$0
Income. Dividends from common stock	2013-12-31	$17,954
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$11,188,660
Asset. Corporate debt instrument preferred debt at end of year	2013-12-31	$0
Asset. Corporate debt instrument preferred debt at beginning of year	2013-12-31	$0
Asset. Corporate debt instrument debt (other) at end of year	2013-12-31	$0
Asset. Corporate debt instrument debt (other) at beginning of year	2013-12-31	$0
Contract administrator fees	2013-12-31	$0
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2013-12-31	No
Assets. Corporate common stocks other than exployer securities at end of year	2013-12-31	$719,680
Assets. Corporate common stocks other than exployer securities at beginning of year	2013-12-31	$482,922
Liabilities. Value of benefit claims payable at end of year	2013-12-31	$0
Liabilities. Value of benefit claims payable at beginning of year	2013-12-31	$0
Assets. Value of buildings and other operty used in plan operation at end of year	2013-12-31	$0
Assets. Value of buildings and other operty used in plan operation at beginning of year	2013-12-31	$0
Did the plan have assets held for investment	2013-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-12-31	No
Aggregate proceeds on sale of assets	2013-12-31	$837,412
Aggregate carrying amount (costs) on sale of assets	2013-12-31	$775,193
Liabilities. Value of acquisition indebtedness at end of year	2013-12-31	$0
Liabilities. Value of acquisition indebtedness at beginning of year	2013-12-31	$0
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2013-12-31	Disclaimer
Accountancy firm name	2013-12-31	ERNST & YOUNG LLP
Accountancy firm EIN	2013-12-31	346565596
2012 : ZALE CORPORATION SAVINGS & INVESTMENT PLAN 2012 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2012-12-31	$18,205
Total unrealized appreciation/depreciation of assets	2012-12-31	$18,205
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$60,805
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$40,039
Total income from all sources (including contributions)	2012-12-31	$19,136,468
Total loss/gain on sale of assets	2012-12-31	$41,149
Total of all expenses incurred	2012-12-31	$11,555,527
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$11,433,424
Expenses. Certain deemed distributions of participant loans	2012-12-31	$7,843
Value of total corrective distributions	2012-12-31	$60,805
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$9,287,734
Value of total assets at end of year	2012-12-31	$90,092,170
Value of total assets at beginning of year	2012-12-31	$82,490,463
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$53,455
Total interest from all sources	2012-12-31	$132,485
Total dividends received (eg from common stock, registered investment company shares)	2012-12-31	$2,036,867
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2012-12-31	$2,027,547
Was this plan covered by a fidelity bond	2012-12-31	Yes
Value of fidelity bond cover	2012-12-31	$20,000,000
If this is an individual account plan, was there a blackout period	2012-12-31	No
Aggregate amount of withdrawal liability assessed or estimated to be assessed against such withdrawn employers	2012-12-31	0
Minimum employer required contribution for this plan year	2012-12-31	$0
Amount contributed by the employer to the plan for this plan year	2012-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2012-12-31	No
Contributions received from participants	2012-12-31	$9,037,127
Participant contributions at end of year	2012-12-31	$3,205,856
Participant contributions at beginning of year	2012-12-31	$2,955,865
Income. Received or receivable in cash from other sources (including rollovers)	2012-12-31	$250,607
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2012-12-31	$60,805
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2012-12-31	$40,039
Administrative expenses (other) incurred	2012-12-31	$12,535
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Value of net income/loss	2012-12-31	$7,580,941
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$90,031,365
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$82,450,424
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2012-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2012-12-31	No
Were any leases to which the plan was party in default or uncollectible	2012-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2012-12-31	$79,869,971
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2012-12-31	$73,399,426
Interest on participant loans	2012-12-31	$132,436
Value of interest in common/collective trusts at end of year	2012-12-31	$5,995,126
Value of interest in common/collective trusts at beginning of year	2012-12-31	$5,520,924
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2012-12-31	$538,295
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2012-12-31	$212,677
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2012-12-31	$212,677
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2012-12-31	$49
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2012-12-31	$7,516,495
Net investment gain or loss from common/collective trusts	2012-12-31	$103,533
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2012-12-31	No
Was there a failure to transmit to the plan any participant contributions	2012-12-31	No
Has the plan failed to provide any benefit when due under the plan	2012-12-31	No
Income. Dividends from common stock	2012-12-31	$9,320
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$11,433,424
Contract administrator fees	2012-12-31	$40,920
Assets. Corporate common stocks other than exployer securities at end of year	2012-12-31	$482,922
Assets. Corporate common stocks other than exployer securities at beginning of year	2012-12-31	$401,571
Did the plan have assets held for investment	2012-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2012-12-31	No
Aggregate proceeds on sale of assets	2012-12-31	$627,219
Aggregate carrying amount (costs) on sale of assets	2012-12-31	$586,070
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2012-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2012-12-31	Disclaimer
Accountancy firm name	2012-12-31	ERNST & YOUNG LLP
Accountancy firm EIN	2012-12-31	346565596
2011 : ZALE CORPORATION SAVINGS & INVESTMENT PLAN 2011 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2011-12-31	$-62,822
Total unrealized appreciation/depreciation of assets	2011-12-31	$-62,822
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$40,039
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$27,421
Total income from all sources (including contributions)	2011-12-31	$6,231,745
Total of all expenses incurred	2011-12-31	$9,399,191
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$9,316,700
Expenses. Certain deemed distributions of participant loans	2011-12-31	$6,391
Value of total corrective distributions	2011-12-31	$40,039
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$8,117,323
Value of total assets at end of year	2011-12-31	$82,490,463
Value of total assets at beginning of year	2011-12-31	$85,645,291
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$36,061
Total interest from all sources	2011-12-31	$133,645
Total dividends received (eg from common stock, registered investment company shares)	2011-12-31	$2,572,452
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2011-12-31	$2,565,757
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$20,000,000
If this is an individual account plan, was there a blackout period	2011-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2011-12-31	$0
Minimum employer required contribution for this plan year	2011-12-31	$0
Amount contributed by the employer to the plan for this plan year	2011-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2011-12-31	No
Contributions received from participants	2011-12-31	$7,684,939
Participant contributions at end of year	2011-12-31	$2,955,865
Participant contributions at beginning of year	2011-12-31	$2,683,298
Income. Received or receivable in cash from other sources (including rollovers)	2011-12-31	$432,384
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2011-12-31	$40,039
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2011-12-31	$27,421
Administrative expenses (other) incurred	2011-12-31	$36,061
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Value of net income/loss	2011-12-31	$-3,167,446
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$82,450,424
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$85,617,870
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2011-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2011-12-31	No
Were any leases to which the plan was party in default or uncollectible	2011-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2011-12-31	$73,399,426
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2011-12-31	$76,530,488
Interest on participant loans	2011-12-31	$133,622
Value of interest in common/collective trusts at end of year	2011-12-31	$5,520,924
Value of interest in common/collective trusts at beginning of year	2011-12-31	$5,857,396
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2011-12-31	$212,677
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2011-12-31	$196,236
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2011-12-31	$196,236
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2011-12-31	$23
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2011-12-31	$-4,694,889
Net investment gain or loss from common/collective trusts	2011-12-31	$166,036
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-12-31	No
Was there a failure to transmit to the plan any participant contributions	2011-12-31	No
Has the plan failed to provide any benefit when due under the plan	2011-12-31	No
Income. Dividends from common stock	2011-12-31	$6,695
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$9,316,700
Assets. Corporate common stocks other than exployer securities at end of year	2011-12-31	$401,571
Assets. Corporate common stocks other than exployer securities at beginning of year	2011-12-31	$377,873
Did the plan have assets held for investment	2011-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2011-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2011-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2011-12-31	Disclaimer
Accountancy firm name	2011-12-31	ERNST & YOUNG LLP
Accountancy firm EIN	2011-12-31	346565596
2010 : ZALE CORPORATION SAVINGS & INVESTMENT PLAN 2010 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2010-12-31	$43,016
Total unrealized appreciation/depreciation of assets	2010-12-31	$43,016
Total transfer of assets from this plan	2010-12-31	$1,307,176
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$27,421
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$69,763
Total income from all sources (including contributions)	2010-12-31	$15,966,420
Total loss/gain on sale of assets	2010-12-31	$-356,873
Total of all expenses incurred	2010-12-31	$17,476,277
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$17,340,824
Expenses. Certain deemed distributions of participant loans	2010-12-31	$71,400
Value of total corrective distributions	2010-12-31	$27,421
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$6,524,954
Value of total assets at end of year	2010-12-31	$85,645,291
Value of total assets at beginning of year	2010-12-31	$88,504,666
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$36,632
Total interest from all sources	2010-12-31	$172,049
Total dividends received (eg from common stock, registered investment company shares)	2010-12-31	$1,978,455
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2010-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2010-12-31	$1,975,933
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$20,000,000
If this is an individual account plan, was there a blackout period	2010-12-31	Yes
Were there any nonexempt tranactions with any party-in-interest	2010-12-31	No
Contributions received from participants	2010-12-31	$6,454,991
Participant contributions at end of year	2010-12-31	$2,683,298
Participant contributions at beginning of year	2010-12-31	$3,312,551
Income. Received or receivable in cash from other sources (including rollovers)	2010-12-31	$69,963
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2010-12-31	$27,421
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2010-12-31	$69,763
Administrative expenses (other) incurred	2010-12-31	$36,632
Total non interest bearing cash at end of year	2010-12-31	$0
Total non interest bearing cash at beginning of year	2010-12-31	$229
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Value of net income/loss	2010-12-31	$-1,509,857
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$85,617,870
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$88,434,903
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2010-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2010-12-31	No
Were any leases to which the plan was party in default or uncollectible	2010-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2010-12-31	$76,530,488
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2010-12-31	$76,948,952
Interest on participant loans	2010-12-31	$171,557
Value of interest in common/collective trusts at end of year	2010-12-31	$5,857,396
Value of interest in common/collective trusts at beginning of year	2010-12-31	$6,757,766
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2010-12-31	$196,236
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2010-12-31	$156,388
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2010-12-31	$156,388
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2010-12-31	$492
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2010-12-31	$7,345,424
Net investment gain or loss from common/collective trusts	2010-12-31	$259,395
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2010-12-31	No
Was there a failure to transmit to the plan any participant contributions	2010-12-31	No
Has the plan failed to provide any benefit when due under the plan	2010-12-31	No
Assets. Invements in employer securities at end of year	2010-12-31	$0
Assets. Invements in employer securities at beginning of year	2010-12-31	$1,283,026
Income. Dividends from common stock	2010-12-31	$2,522
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$17,340,824
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2010-12-31	Yes
Assets. Corporate common stocks other than exployer securities at end of year	2010-12-31	$377,873
Assets. Corporate common stocks other than exployer securities at beginning of year	2010-12-31	$45,754
Did the plan have assets held for investment	2010-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2010-12-31	No
Aggregate proceeds on sale of assets	2010-12-31	$1,348,045
Aggregate carrying amount (costs) on sale of assets	2010-12-31	$1,704,918
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2010-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2010-12-31	Disclaimer
Accountancy firm name	2010-12-31	ERNST & YOUNG LLP
Accountancy firm EIN	2010-12-31	346565596

Form 5500 Responses for ZALE CORPORATION SAVINGS & INVESTMENT PLAN

2015: ZALE CORPORATION SAVINGS & INVESTMENT PLAN 2015 form 5500 responses
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	Submission has been amended	No
2015-01-01	This submission is the final filing	Yes
2015-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2015-01-01	Plan is a collectively bargained plan	No
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: ZALE CORPORATION SAVINGS & INVESTMENT PLAN 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	No
2014-01-01	This submission is the final filing	No
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-01-01	Plan is a collectively bargained plan	No
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: ZALE CORPORATION SAVINGS & INVESTMENT PLAN 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Submission has been amended	No
2013-01-01	This submission is the final filing	No
2013-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-01-01	Plan is a collectively bargained plan	No
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes
2012: ZALE CORPORATION SAVINGS & INVESTMENT PLAN 2012 form 5500 responses
2012-01-01	Type of plan entity	Single employer plan
2012-01-01	Plan funding arrangement – Trust	Yes
2012-01-01	Plan benefit arrangement - Trust	Yes
2011: ZALE CORPORATION SAVINGS & INVESTMENT PLAN 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Plan funding arrangement – Trust	Yes
2011-01-01	Plan benefit arrangement - Trust	Yes
2009: ZALE CORPORATION SAVINGS & INVESTMENT PLAN 2009 form 5500 responses
2009-01-01	Type of plan entity	Single employer plan
2009-01-01	Submission has been amended	Yes
2009-01-01	Plan funding arrangement – Trust	Yes
2009-01-01	Plan benefit arrangement - Trust	Yes
2007: ZALE CORPORATION SAVINGS & INVESTMENT PLAN 2007 form 5500 responses
2007-01-01	Type of plan entity	Single employer plan
2007-01-01	Submission has been amended	Yes
2007-01-01	Plan funding arrangement – Trust	Yes
2007-01-01	Plan benefit arrangement - Trust	Yes

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Company Name:	ZALE CORPORATION
Employer identification number (EIN):	750675400
NAIC Classification:	448310
NAIC Description:	Jewelry Stores

Jurisdiction of Incorporation:	State of Delaware Division of Corporations
Incorporation Date:	1989-06-23
Company Identification Number:	2200267
Legal Registered Office Address:	2711 Centerville Road Suite 400 Wilmington United States of America (USA) 19808